|
|
12-02-2020, 06:23 PM
|
#1
|
Senior Member
Join Date: Dec 2013
Location: Newport News Va
Posts: 662
|
insurance claim water damage
On the advice of a rv dealership, I submitted a water damage claim to Geico,.The damage is to the floor in front of the door. Maybe a 3x5 ft section is soft. anyone submitted claims like this ? I have a 2012 Forrest River windjammer, purchased new. as part of my rv forever warranty, yearly get the units state inspected, furnace cleaned, wheels lubed, water heated serviced along with checking the roof and sealing areas needed. In short, all recomended service was done. I also inspect the roof several times a year., and repair any place that needs it. Early inspection appears the water came in around the door. In reading reviews, chances of the claim being denied are pretty good. what do you think ?? The adjuster has not contacted me yet to inspect the damage. What can I expect.
__________________
Chuck " still in Va "
2012 3065w Windjammer
2012 f250 lariat Crew cab power stroke (of course )
|
|
|
12-02-2020, 07:15 PM
|
#2
|
Senior Member
Join Date: Sep 2019
Posts: 1,669
|
wait, forever warranty, you found a problem and they tell you to send the bill to someone else?
|
|
|
12-03-2020, 11:29 AM
|
#3
|
Site Team
Join Date: Mar 2008
Location: Southwest Alabama
Posts: 9,850
|
Unless there's proof of physical damage I'd say the chance of it being denied is pretty high.
Since you have the 'Forever' insurance (because it's not a warranty) and can prove the required upkeep and maintenance has been done, I'd turn it in to them and let them handle it.
__________________
Salem 29RKSS Pushing a GMC Sierra 2500HD!
Gotta go campin!
|
|
|
12-03-2020, 12:48 PM
|
#4
|
Pickin', Campin', Mason
Join Date: Aug 2015
Location: South Western PA
Posts: 19,051
|
Without us knowing what insurance you have with Geico, It's hard to say whether they will cover it or not. Is this Geico insurance a rider policy or just part of a typical R/V accident/liability policy?
What is this 'forever' warranty you speak of?
Most of those are not worth the paper they are written on and as you have witnessed, actually COST you money each year just to keep them in effect.
Why did they not cover it?
__________________
2022 Cedar Creek 345IK 5th Wheel•Solar & Inverter•2017 Ford F-Series SCREW 4x4•Factory Puck•B&W Companion•TST Tire Monitor w/Repeater•Sinemate 3500w Gen.
F&AM Lodge 358 Somerset, PA - JAFFA Shrine - Altoona, PA
Days Camped ☼ '19=118 ☼ '20=116 ☼ '21=123 ☼ '22=134 ☼ '23=118☼ '24=64
|
|
|
12-03-2020, 01:03 PM
|
#5
|
Senior Member
Join Date: Nov 2020
Location: Johnson City, TX
Posts: 323
|
Here's what my insurance told me when I was going to submit a claim for a prior RV.
Anything due to lack of proper maintenance, not covered. Anything due to physical damage (hit a tree, meteorite hit the RV, etc.) would be covered. Surprisingly, if the RV froze due to lack of winterization (very unlikely where I live) then leaked upon thaw, this would be covered.
My guess is that this will vary from company to company.
__________________
Rockwood Ultra Light 2304DS, towed by 2018 Ram Cummins Diesel 2500 4x4
|
|
|
12-03-2020, 01:39 PM
|
#6
|
Senior Member
Join Date: Aug 2014
Location: Northern KY
Posts: 5,724
|
insurance coverage is designed to make money for the insurer... period
what is your deductible?
__________________
"nothing can now be believed which is seen in a newspaper. Truth itself becomes suspicious by being put into that polluted vehicle."
Thomas Jefferson to John Norvell pg. 2, June 11, 1807
2014 Shamrock 183
2014 RAM 1500 Bighorn Crew Cab, HEMI, 3.21 gears, 8 Spd, 4X4 TST TPMS
|
|
|
12-03-2020, 04:35 PM
|
#7
|
Senior Member
Join Date: Feb 2014
Posts: 2,832
|
You are not covered in any way by your Forever Warranty. The ONLY things they cover are listed at the link...and then if you don't follow the annual requirements they are not. Nothing to do with the coach structure or roof or leaka is mentioned.
They WILL provide you with the full legal contract that applies to your unit online if you fill in your details. Suggest you do that...I'd love to see the whole thing which they USED to post for everyone...but no longer do. Guess that didn't work out.
https://www.naenwan.com/rv-warranty-forever#coverage
__________________
________
Cam
2015 Georgetown 280DS
2019 Vespa Primavera 150's (pair)
|
|
|
12-03-2020, 06:17 PM
|
#8
|
Senior Member
Join Date: Dec 2013
Location: Newport News Va
Posts: 662
|
thanks for the replies, I will be amazed if they cover the damage. Adjuster to look at it next week, stay tuned. dealer stated insurance company's cover about little over half of the ones he has handled. You never know till you ask.
__________________
Chuck " still in Va "
2012 3065w Windjammer
2012 f250 lariat Crew cab power stroke (of course )
|
|
|
12-04-2020, 07:30 AM
|
#9
|
MCTroy
Join Date: Sep 2014
Location: Troy.Ohio
Posts: 1,176
|
Charles Firth I was following your repairs on the WJ thread. Our insurance claim for a new roof membrane on our WJ was just approved. I think the way our RV dealership wrote up their quote was helpful. They sited the major damage from a tree limb - not just normal wear and tear. While talking to our claims adjuster he asked about water damage. I told him we did not have any since the unit is under a cover now. He was surprised but said that was good. I inferred they cover water damage if is associated with other damage. State Farm also covers the TT for floods while our former insurance with Allstate did not. So far so good with State Farm. Good luck on your claim!
__________________
2015 Windjammer 3029 Diamond Edition
2018 Ram 2500
Ohio River Rat
|
|
|
12-04-2020, 08:29 AM
|
#10
|
Senior Member
Join Date: Jul 2019
Location: Allen,Tx
Posts: 143
|
Regardless of who pays I see new flooring in your future....
Gary
__________________
Get out and have a good day on purpose cause everyday on this side of the grass is such a great time.
Nothing lasts forever, So live it up,laugh it off, take chances, & never have regrets, because at one point, everything you did was exactly what you wanted.
|
|
|
12-04-2020, 06:43 PM
|
#11
|
Senior Member
Join Date: Dec 2013
Location: Newport News Va
Posts: 662
|
agree, we will see who pays for it. I am not holding my breath. One of their reps called me today, asked a bunch of questions, mostly regarding upkeep, where was it stored, how often was it checked etc. all the questions were geared toward maintanace issues. I was anal for always checking on the camper and taking care of any issues. It has been serviced by the dealer every year since 2012, and they have all the records. They are the only ones that have worked on the camper. Time will tell, the adjuster still has to view the damage, it would be nice if it was covered, like I said I m not holding my breath.
__________________
Chuck " still in Va "
2012 3065w Windjammer
2012 f250 lariat Crew cab power stroke (of course )
|
|
|
12-10-2020, 06:09 PM
|
#12
|
Senior Member
Join Date: Dec 2013
Location: Newport News Va
Posts: 662
|
soft floor update ;
I talked with the rv dealer today. He said that the insurance adjuster from Geico viewed the camper today. They both inspected the floor, and found that the floor is thin luan wafer board, placed on stryofoam with black sheeting under that. They were unable to find the location of the leak, the roof and walls were ok, so it remains a mystery. The bad news the dealer sees no way to repair it, there is nothing to support a new floor. The insurance adjuster was also perplexed. It is now in the insurance adjusters hands. The dealer thought it to be a total loss, since there is no way to repair. its probably a 3x5 ft section. Waiting on the adjuster now to decide the outcome. I thought Forrest River was a top of the line camper, this is my first camper and maintained it with an open check book. Not pleased with the water damage, or the construction of the floor, I guess it was constructed this way, to save money and weight. Now its in the adjusters hands, if they cover it and its totaled I will NOT be purchasing another Forrest River product for replacement. If its totaled and not covered, my camper days are done. In my 70s not a good idea to purchase a new toy.
__________________
Chuck " still in Va "
2012 3065w Windjammer
2012 f250 lariat Crew cab power stroke (of course )
|
|
|
12-10-2020, 06:32 PM
|
#13
|
Senior Member
Join Date: Feb 2014
Posts: 2,832
|
Sorry to hear the inspection result. In addition to your two options...there may be a third assuming the unit is road worthy rather than camping ready. That would be to talk with FR and see if they would work with you to repair the camper on a cost basis if you drove it to their place in Indiana. They do great work out there and are usually very customer service oriented and KNOW how everything is put together. If you struck up a dialog with them making clear you need help rather than a warranty claim...they might be able to prevent a total loss with an acceptable bill. A full description accompanied by pictures would probably help the cause. Good luck in any event.
__________________
________
Cam
2015 Georgetown 280DS
2019 Vespa Primavera 150's (pair)
|
|
|
12-10-2020, 06:33 PM
|
#14
|
Senior Member
Join Date: Sep 2016
Location: ALASKA (World's Biggest Campground)
Posts: 6,594
|
I would guess that it "can" be repaired, but given the age of the rig along with insurance coverage actual cash value vs. actual replacement cost, it will probably be cost prohibitive to repair (labor). I'd say that the insurance company will look at this way. You can look at SOB's, but basically they're all built the same way.
__________________
'07 K3500 Silverado LT Crew Duramax (LBZ)
2016 Salem 27RKSS
1984 CHEV SCOTTSDALE K20 2GCGK24J0E1XXXXXX (Chevrolet Legends-Class of 2019)
"...exhaust fluid? We don't need no stinkin' exhaust fluid"
|
|
|
12-10-2020, 06:51 PM
|
#15
|
Senior Member
Join Date: Dec 2013
Location: Newport News Va
Posts: 662
|
Thanks, for the responses. Have to see what happens. I am really disappointed in the damage. I was really looking forward to spring, and camping at cape Hatteras. stay tuned, if they do cover it and total it, I could buy something used, the market demand is really high on campers due to covid.
__________________
Chuck " still in Va "
2012 3065w Windjammer
2012 f250 lariat Crew cab power stroke (of course )
|
|
|
12-10-2020, 08:23 PM
|
#16
|
Junior Member
Join Date: Feb 2015
Posts: 15
|
I had similar water damage in the same location your speaking of and I traced it to the bottom bracket on the awning.
|
|
|
12-11-2020, 06:32 AM
|
#17
|
MCTroy
Join Date: Sep 2014
Location: Troy.Ohio
Posts: 1,176
|
Quote:
Originally Posted by Charles Firth
Thanks, for the responses. Have to see what happens. I am really disappointed in the damage. I was really looking forward to spring, and camping at cape Hatteras. stay tuned, if they do cover it and total it, I could buy something used, the market demand is really high on campers due to covid.
|
Before you give up have an independent RV repair service check it out. Maybe even a good person that does flooring or contracting will have ideas. I like our dealership but they have to consider time for labor costs that are higher than an independent repair service. If a dealership thinks a repair will be too costly they may just not want to do it.
I am sorry you are having trouble with your WJ. These are usually great trailers. Hopefully this will still be resolved. Your summer plans sound great!
|
|
|
12-11-2020, 06:29 PM
|
#18
|
Senior Member
Join Date: Dec 2013
Location: Newport News Va
Posts: 662
|
still no word from Geico, I have talked with few other rv repair people. One said its a difficult fix, his suggestion was to cover the entire area with cdx plywood, place it over the damaged area and over a large part of the solid area. It would give a raised section in the kitchen only. Attach the plywood to the existing floor with glue, they put laminate flooring over the fix, and of course the quarter round on he edges at the walls. That may be something I can live with, any thoughts ?
__________________
Chuck " still in Va "
2012 3065w Windjammer
2012 f250 lariat Crew cab power stroke (of course )
|
|
|
12-11-2020, 06:41 PM
|
#19
|
Always Learning
Join Date: Nov 2011
Location: Four Corners, FL
Posts: 21,888
|
Sounds like a tripping hazard to me.
Is this a case that it just needs support from underneath? Friends of mine found their Open Range had a good 5' of open space between supports under their floor. It pretty quickly got spongey.
He ended up going under and bolting in new supports for the floor and it fixed their issue.
__________________
Officially a SOB with a 2022 Jayco Precept 36C
Checkout my site for RVing tips, tricks, and info | Was a Fulltime Family for 5 years, now we're part-timing on long trips
|
|
|
12-11-2020, 06:57 PM
|
#20
|
Senior Member
Join Date: Dec 2013
Location: Newport News Va
Posts: 662
|
thanks, I have a full under belly cover may be able to get to it there.
__________________
Chuck " still in Va "
2012 3065w Windjammer
2012 f250 lariat Crew cab power stroke (of course )
|
|
|
|
|
Thread Tools |
|
Display Modes |
Linear Mode
|
Posting Rules
|
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
HTML code is Off
|
|
|
|
» Recent Discussions |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|